Instant rejection by CSP due to “obligation too high relative to income”. Would appreciate any insight in how/what to fix.
- All cards I have: BOA 18, Chase freedom unlimited 20, Apple Card 22, BILT 23, so under 5/24.
- Credit: 760-770 in chase mobile app; 810-820 internal score in rejection letter
- Income: 90-110K base
- Obligations: 2.4K monthly rent + <4K total student loan
Should I bump my income (add bonus and bluff) to somewhere around 130K or even higher and reapply?

What is the best credit card offer these days? Good credit score, a travel spend about 5-6k coming up..

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

What is the best-kept secret among realtors?

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

Anyone have a good PE specialist financial advisor?

Who else is buying?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Living in NJ and may be able to choose NYC as my home office. People who live in NJ can choose NJ / NYC office, which one did you choose?

NJ office: no NYC tax, don't have to file 2 state return. Live in NJ so auto assigned to NJ office currently.

NYC office: NYC tax on paycheck, easier commute, possibly higher pay?

Renting a car vs buying, which is better in India?

New to NYC and enrolling in wageworks. Should I do the payperride metro card or commuter card -transit ? Not sure which is most typically used? I will probably take the metro 6 times each work week

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

Shifted more options profits into 250 NOK shares

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

I've got a YouTube channel about all things crypto and trading. It is primarily an educational channel, rather than one that is specific to investing.

Please post video requests here. (Continued)

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

Best performance car options under 60k? Nothing to old or high mileage as it will be a daily driver

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

I know I am an idiot but my crypto investments are down 68%. Did anyone else fall into this trap? I felt like I had to get in because everyone else was making money. Please tell me I am not alone.

Thoughts on cigar smoking?

Had a cancelled FET then was put on BC. I got my period while on BC and am on day 7 changing a pad every 4 hours. Anyone experienced this? I’m thinking it’s the lining shedding from cancelled cycle

having some period like bleeding (less than moderate bleeding) at 11 weeks with no cramps. my doctor can’t see me until next week. have any of you experienced this with a normal pregnancy and proceeded to carry to term ? nipts was all normal.

Starting IVF in a month - any guidance in prep for it, things that may help increase success for egg retrieval or anything like that? I started taking supplements advised by my doctor, but curious to hear of anything else! Thank you SO much!

Any non-cishet male folks want to chat? Missing community right now!

I have been a practicing (patent prosecution) lawyer in different firms for about 20 years. I would love to do something more creative but still techie (computers, telecom, apps, etc.). I've always been interested in improving the software that practicing lawyers use (whether patent-specific or not). I am also kind of an academic at heart, but I live in a locale where professorial jobs are pretty limited and we're rooted here now. Any advice would be greatly appreciated.

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

How do you effectively plan for retirement?

Hi guys,
Any openings for GIS Mapping operations or as data analysis roles ?

Currently recruitment in Bangalore for developer

54 members is inadequate for this to be any use. You need to actively promote and increase membership

Have any strategists made the move over to consulting or client-side as a brand manager? Curious about your experience/why you made the move...

Hi everyone,
Need help reg TCS BGC process.
Now I have only 2 days to accept the offer, not yet accepted.
My queries are 1) my 1st exp original services letter is not found ( lost somewhere), have scanned copy , I have supporting doc like form no 16 , full and final settlement , salary slip
2) i don't have a relieving letter from one of the org as they only provided an exp letter, in the same company.
HR is asking for all ex employee bank statement, my first company bank account is 12 yearold

Hi need a referral at Bank of America for data engineer profile

Anyone else finding it really hard to care about super bowl commercials this year? They feel like a relic from another time to me.

Has anyone stayed at JWM Camelback in Scottsdale? If so, do they actually check for your company ID, etc. for a rate code?

Can we combine our Corporate Amex points with Amex Everyday MR points?

I have the older United cc. If I wanted to get the explorer card to take advantage of bonus points could I just apply for it or would I need to cancel current then apply? TIA

Platinum AF just posted. First time it’s come in at $695. That’s a losing position for me this year, I think. Anyone have luck getting it back down to $550?

Friend asked to buy my SPG/marriott points. How would that work hypothetically? $0.027/SPG , $0.009/Marriott? (According to Points guy) & transfer to their account?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

JAL or Cathay for premium economy US to Asia (Both 777s)

My client is being a d***. How many points?

Happy Friday y’all!!

Just hit EXP on AA for next year - should I keep flying them for work for the remainder of the year or try to get status somewhere else?

Flying United from US to Europe in economy as a silver elite. Am I eligible for a premium plus or Polaris upgrade?

What's the point of Delta drink vouchers when they serve alcohol on request anyway? (Even in economy)

Found a bed bug in a Radisson Red in Campinas Brazil, how many points?

I’ve been racking up a ton of Etihad Guest points (~300k) but have been having a hard time spending them bc the Etihad Reward chart is dynamic 🙄🙄. Any suggestions on how to spend those points? They expire in a year.

Tips for an upgrade in Vegas?

Can I ask SPG ambassador to help on my Marriott reservations?

Anyone stay at JW Marriott Cabo with family ( 2 adults 2 young kids) Looking to book rooms with points and want to see if it’s worth the 400k for a week.

Flight delayed 2.5 hours because of maintenance issues. How many points?

Are spg and spg points eventually going to get phased out due to merger?

Flight from Charlotte to LAX with AA gets cancelled.. after 3 hours of delay. Have to fly out the next morning. How should I ask for voucher, hotel or airline? Currently waiting in a 100+ person line.

With the new merger, can I use my spg suite night awards at Marriott properties?